Issue link: https://www.epageflip.net/i/57825
Friday, March 9, 2012 – Daily News 3A Local Calendar Submit calendar items to P.O.Box 220, Red Bluff, 96080 or clerk@redbluffdailynews.com. FRIDAY,MARCH 9 Red Bluff Al-Anon, 6-7 p.m., Presbyterian Church, Jefferson and Hickory Celebrate Recovery, 7 p.m., Bethel Assembly of God, 625 Luther Road, 527-0445 or 366-6298 Focus Film Festival presents: For Once In My Life, 6:30 p.m., Community and Senior Center, free, appropriate for all audiences, 221-9530 Knit for Kids, 9:15 to noon, Presbyterian Church, 838 Jefferson St., 527-0372 Red Bluff Outlaws Karts West Coast Nationals, 10 a.m. gates, 1 p.m. qualifying, Tehama District Fair- ground, 527-2477, 567-5286, www.rboutlaws.com Tehamador Red release party, 5:30-8:30 p.m., Tehama Oaks Vinyards, 14494 Warren Ave. SATURDAY,MARCH 10 Red Bluff Airplane Display Days, 8 a.m. to 1 p.m., Red Bluff Airport, 1760 Airport Blvd., 527-6547 BMX racing, 5:30 p.m., Red Rock BMX Track, Tehama District Fairground, $10 Decorative Brushes of No. California, 10 a.m., Red Bluff Community and Senior Center, 1500 S. Jackson St., 527-7449 or decorativepainters.org Gold Prospector Association of America, Tehama District Fairground, 527-5920 Red Bluff Outlaws Karts West Coast Nation- als,10 a.m. gates, 1 p.m. qualifying, Tehama District Fairground, 527-2477, 567-5286, www.rboutlaws.com Tehama County Young Marine Drills, 9 a.m. to 3 p.m., 1005 Vista Way, Ste.C. 366-0813 Tehamador Red release party, 1-5 p.m., Tehama Oaks Vinyards, 14494 Warren Ave. Weight Watchers meeting, 8:00 a.m. and 9:30 a.m., weigh-in starts half-hour before meetings, 485 Antelope Blvd., #N, next to Bud's Jolly Kone, 1-800- 651-6000 Los Molinos Senior Dance, 7 p.m., Senior Center, Josephine Street, 384-2100 Tehama Tehama County Museum, 1-4 p.m weekends, weekday group tours by appointment, donation, 275 C St., group tours 384-2595 SUNDAY,MARCH 11 Red Bluff Airplane Display Days, 8 a.m. to 1 p.m., Red Bluff Airport, 1760 Airport Blvd., 527-6547 Celebrate Recovery, 6-8 p.m., Vineyard Christian Fellowship, 738 Walnut St., 527-2449 Corned Beef & Cabbage Dinner, 1 p.m., Cone Community United Methodist Church, 11220 Highway 99E; $6 for adullts, $3 ages 4-11, free ages 3 and younger, 680-1120 Kelly-Griggs House Museum, 1-4 p.m., 311 Washington St, special tours call 527-1127 Red Bluff Outlaws Karts, awards ceremony, Tehama District Fairground, 527-2477, 567-5286, www.rboutlaws.com Tehamador Red release party, 1-5 p.m., Tehama Oaks Vinyards, 14494 Warren Ave. WHEE Picnic and Prayer Circle, 4:20 p.m., 22116 Riverside Ave. Tehama Tehama County Museum, 1-4 p.m weekends, weekday group tours by appointment, donation, 275 C St., group tours 384-2595 MONDAY,MARCH 12 Red Bluff American Association of Universtiy Women, 7 p.m., St. Elizabeth's Community hospital cafeteria Antelope 4-H, 6:30 p.m., Antelope School, 527- 3101 Cardiac Support Group, 7 p.m., St. Elizabeth Community Hospital, Columba Room, 527-5077 English as a Second Language class, 5:30-8:30 p.m., Red Bluff High School Adult Ed building, 1295 Red Bud, 736-3308, same time Tuesday and Wednes- day and 9 a.m. to 12:20 p.m. Thursdays, free child- carefrom 9 a..m. to 12:20 p.m. classes in Richlieu Hall, 900 Johnson St. Line Dancing, beginners at 9 a.m.; intermediate at 10 a.m.; Red Bluff Community Center, 1500 S. Jack- son St. Head Injury Recreational Entity, 10 a.m., St. Eliz- abeth Community Hospital, Coyne Center, Rusty, 529- 2059 Key to Life, 6 p.m., Family Resource Center, 220 Sycamore St. Ste. 101, 528-8066 Masterworks Chorale rehearsal, 6:45 p.m. to 8 p.m., Red Bluff Presbyterian Church, 838 Jefferson St., 527-4203 PAL Martial Arts, age 5 - 18, 3-5 p.m., 529-7920, www.tehamaso.org. Red Bluff Community Band rehearsal, 7-9 p.m., Red Bluff Presbyterian Church, 838 Jefferson St., 727- 8744 Salvation Army Writing Class, 9:30-11:30 a.m., 940 Walnut St., 527-8530 Spartan Athletic Booster Club, 6:30 p.m. Red Bluff Union High School Library Your FICO after a mortgage catastrophe Mortgage related derogatory events are not a fun topic. But reality being what it is, these days lots of people are ask- ing the same difficult ques- tions: How much will a fore- closure hurt my credit score? Would a short sale go easier on me? How long will it take to recover from any kind of mortgage catastrophe? Until recently, we just couldn't come up with reliable answers to these questions because credit score details were considered trade secrets and highly guarded. But now the folks at Fair Isaac Co., cre- ator's of the FICO score models, are willing to tell us how short sales and foreclosures impact individual FICO scores and the kind of recov- ery time we can expect from these negative events. No difference. A short sale with a "deficiency balance," which all short sales have because that's what a short sale is -- a settlement for less than the full amount due -- has the exact same impact as a foreclosure, regardless of your starting score (680, 720 or 780): 680 becomes 575-595; 720 becomes 570-590, and 780 becomes 620-640. Recovery time. FICO's data also includes "how long to recover" out- put, which is especially helpful for consumers who have already gone through a mortgage-related disaster and wonder when their FICO scores will rebound. Let's skip the suspense. It takes a long time for your FICO scores to fully recover from a short sale or foreclo- sure, even from a late payment. 30 days late. If you have a 680 score and pay 30 days late even once, it will take nine months of on-time payments to get back to 680. If you were at 720, it will take 2.5 years. And if you have an excellent score of 780, it will take three years. Short sale, foreclo- scores require pristine credit files, and scores of 680 do not. If you can convince your mort- gage lender to not report the defi- ciency balance (the difference between what you owed on your mortgage and the negotiated sale price of the home) to the credit bureaus after your short sale, your score will actu- ally be a little better than if they do report the bal- ance. Mary Hunt sure. If you do a short sale or go through fore- closure, your 680 score will take three years to recover, and your 720 and 780 would take seven years. While the item remains on your credit report, your scores do not fully recover (evidence of a short sale or foreclo- sure remains for seven years). The higher the score, the farther Everyday Cheapskate Short sales without a reported deficiency bal- ance would trim 105 to 125 points from a 780 score, according to Fair Isaac. But lenders who've been hammered into a short sale often aren't in the mood to grant you additional favors or violate their commitment to accu- rate reporting. This information is representa- tive. Specific results may vary. Mary Hunt is the founder of the fall. The amount of time for a 680 to recover from a bankruptcy is as little as half the amount of time it takes a 720 and 780 to fully recov- er. This is because excellent FICO www.DebtProofLiving.com and author of 20 books, including her January 2012 release, "7 Money Rules for Life." You can email her at mary@everydaycheapskate.com, or write to Everyday Cheapskate, P.O. Box 2099, Cypress, CA 90630. Foundation offers $100,000 to give away North Valley Community Foundation announced Thursday an innovative grant program designed to pro- mote philanthropy in the region by awarding $100,000 in grants to businesses, individuals and families engaged in philanthropy. The Stimulate Giving Grant Program aims to encour- age giving by offering ten $10,000 grants to applicants interested in giving $25,000 or more to charitable caus- es this year. This unique grant program will not only offer eco- nomic resources to businesses, individuals and families as they pursue their charitable endeavors but also provide philanthropic support focused on high-impact grantmak- ing. There is no area of focus so it is up to applicants to determine their charitable field(s) of interest. "We believe philanthropy is a powerful tool to bridge the challenges in our communities with the resources to address them," explained Alexa Benson-Valavanis, CEO of the North Valley Community Foundation. "We dreamed up this program to encourage more giving in WILLOWS — A prescribed fire using the helitorch is planned for Friday on the Grindstone Ranger District of the Mendocino Nation- al Forest, conditions permitting. The Grindstone Chaparral Burn is planned for up to 700 acres and is located near Forest Highway 7 at Long Point. Helitorch opera- tions will utilize a helicopter directed by personnel in a small airplane to ignite the fire. The pub- lic may notice smoke in this area Police reports The following infor- mation is compiled from Red Bluff Police Depart- ment, Tehama County Sheriff's Department, Corning Police Depart- ment and California Highway Patrol. Arrests • Brett Ronnie Thomas Howell, 21, of Gerber was arrested Wednesday in the 13600 block of Trinity Avenue. Howell, also known as Bugsy, was arrested for vehicle theft and possession of stolen property. Bail was set at $30,000. • Jeremiah Paul Ray Setzer, 33, of Los Moli- nos was arrested Wednes- day at the parole office. Setzer, also known as Jeremiah Lauzon, was charged with possession of a controlled substance, child endangerment and parole violation. Bail was set at $65,000. • Sheryl Lynne Walker, 49, of Red Bluff was arrested Wednesday at the probation department. Walker, also known as Sheryl Cadotte, was charged with probation violation and felony accessory. She is being CattleWomen & Michael Martin Sunrise Rotary present April 14th Murphey In concert Crystal Art & Apparel, The Loft - Red Bluff, Shasta Farm - Cottonwood, Rabobank - Corning, Richfield Feed Tickets $50 - $35 - $25 available at State Theatre Info 529-2787 • 7pm Come enjoy Saturday evening with us A P Presents assover Seder April 7, 2012 at 5:30pm 1920 Park St., Red Bluff Celebrate Passover as Jesus did. Donation $ Jewish style food and worship Limited seating of 50 850 For tickets and information contact Barbara at 527-7695 the region by offering financial and philanthropic incen- tives directly to the givers." All grants made to businesses, families, individuals or giving circles (two or more) through the Stimulate Giv- ing Grant Program will ultimately end up in the hands of charitable causes as the applicants will be re-granting the $10,000 grant award as well as their $25,000 commit- ment to the nonprofit sector. The grant program's Request for Proposal (RFP) articulates that a successful proposal will demonstrate the vision of the applicant(s) positive impact on the com- munity as a result of their giving. Winning applicants can re-grant to nonprofit organizations outside of Butte, Tehama, Colusa and Glenn counties but special empha- sis will be placed on applicants that focus on this region. Grant awards will be made into directed and/or desig- nated charitable funds solely advised by the winning applicants. For more information call 891-1150 ext. 28. RFP's are available by emailing avalavanis@nvcf.org. Helitorch prescribed fire planned on National Forest of the forest Friday, as well as residual smoke after ignitions are over. Forest visitors are asked to be aware of their surroundings and watch for prescribed burning oper- ations to maintain personal and fire fighter safety. Areas where prescribed burning operations are taking place will be well signed with increased fire personnel and agency traffic in the area Due to increased fire traffic and held without bail. • Steven Anthony Ramirez, 30, of Corning was arrested Wednesday in the 600 block of Edith Avenue in Corning. He was charged with inflict- ing corporal injury on a spouse or cohabitant, threatening a crime with intent to terrorize and vio- lation of parole. Bail was set at $100,000. • A woman was arrest- ed on warrants Wednes- day afternoon during a traffic stop of a 1994 Toy- ota at Jackson and Oak streets. The vehicle was towed. • A man was arrested Wednesday afternoon when officers stopped to talk to two people near the chamber of commerce building. The suspect had three Red Bluff warrants. • A man was arrested Wednesday for a warrant during a traffic stop of a 2001 Ford Excursion with no license plates. The vehicle was released to another person at the scene. Theft • Items were reported stolen from a residence Wednesday in the 700 block of Lay Avenue. smoke impacts are asked to avoid the Sanhedrin Road and use other routes. Visitors are encouraged to con- tact the Forest at 530-934-3316 for more information. Confirmation and updates on prescribed fire activities can also be found on Twitter, @MendocinoNF. For more information, please contact the Mendocino National Forest at 530-934-3316, or visit www.fs.usda.gov/mendocino. • Eight or nine propane tanks were reported stolen Wednesday from the Antelope Holiday Market. The five-gallon tanks, val- ued at $52 each, were taken between noon Sun- day and 8:30 p.m. Tues- day. Burglary • A residence was reported burglarized Wednesday in the 400 block of Walnut Street. Vandalism • The windshield of a red 1993 Chevrolet truck was reported broken Wednesday in the 7400 block of White Oak Drive. It appeared to be caused by pellets some- time between noon Tues- day and 10 a.m. Wednes- day and resulted in $300 damage. Odd • A caller reported just after noon Wednesday that a person came onto her property claiming to be God in the 20000 block of Twilight Road. The suspect tried to leave two small boys on the caller's stairs before taking the boys back in a red 1998 Oldsmobile with Oregon plates. California High- way Patrol officers stopped the suspect's vehicle about 15 minutes later on Walnut Street at Bidwell. Child Protective Services was called to take the two boys, who were about 4 or 5 years old. Deputies contacted Modoc County officials who had a caller report that the suspect had left with all of her money and the caller was concerned. Oregon officials were also contacted. No further information was avail- able. Fire • The cause of a structure fire reported at 2:37 a.m. Thursday in the 200 block of East Corona Avenue is under investigation, but sus- picious in nature. The two-story house, which had been vacant for more than a year and had no power, was fully involved upon arrival of fire personnel. Corning Volunteer Fire Department sent two engines and 14 members with Corning Rural Fire Department sending one engine and a water tender. The house was a total loss. K W I K K U T S Family Hair Salon $200 REGULAR HAIRCUT off with coupon Not good with other offers 1064 South Main St., Red Bluff • 529-3540 Reg. $13.95 Expires 2/29/12